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This ETF Says It'll Invest Like Warren Buffett With 15% Annual Income: What You Should Know

Fact checked by Stella OsobaAndrew Harrer/Getty Images Warren Buffett has inspired generations of investors, including those who have formed ETFs claiming to trade like him.The legendary "Oracle of Omaha" may be stepping away from the helm of Berkshire Hathaway Inc. (BRK.A, BRK.B), but his investment philosophy will continue to be a force in the market, not least through investment products aiming to replicate his value investing approach. While Warren Buffett himself has said retail investors should rely mostly on broad index exchange-traded funds (ETFs), a new ETF launched in March 2025 claims to offer investors both Buffett-style equity exposure and something Berkshire has famously never provided—monthly income.The VistaShares Target 15 Berkshire Select Income ETF (OMAH) maintains a basket of Berkshire Hathaway's most representative equity holdings, while adding an options strategy designed to generate an annual income of 15%, distributed monthly. For investors who have long admired Buffett's investment acumen but want the dividends that Berkshire doesn't provide, this ETF could have potential. But is it really investing like Buffett, and does the income strategy justify the 0.95% expense ratio, especially with other Buffett-inspired investments available?Key TakeawaysThe VistaShares Target 15 Berkshire Select Income ETF offers exposure to 20 of Berkshire Hathaway's top holdings plus Berkshire stock itself, while targeting 15% annual income through an options strategy.While the ETF provides Buffett-inspired stock selection, its complex structure, 0.95% expense ratio, and income-generation strategy should be weighed against other Buffett-inspired investments, including Berkshire Hathaway itself.OMAH and Other Buffett-Inspired ETFsThe VistaShares Target 15 Berkshire Select Income ETF provides a monthly dividend through a dual strategy:It invests in the top 20 equity holdings of Berkshire Hathaway while allocating about 10.6% to Berkshire Hathaway stock itself.The ETF uses an options strategy managed by Tidal Financial Group to generate a target income of 15% annually, distributed monthly.Income-generating options strategies like the one used in OMAH typically involve selling covered call options against the ETF's stock holdings. This approach has become increasingly popular among ETF issuers seeking to provide income during periods of market volatility.There are ironies with this ETF offering. Berkshire Hathaway doesn't pay dividends. An irony that for some lurches into contradiction is the expense ratio of 0.95%—Buffett famously advises retail investors to seek out only low-cost funds.Why Not Just Invest in Berkshire Hathaway?For investors seeking to truly "invest like Buffett," the most straightforward approach would be to buy Berkshire Hathaway stock, offered in less-expensive fractional shares and BRK.B versions. This grants direct exposure to Buffett's and his chosen executives' investment decisions. Berkshire has tripled the S&P 500 Index's performance over the past year and delivered a 203% five-year return, double the broader market (as of May 2025).But Berkshire pays no dividends—Buffett's team prefers reinvesting cash—creating a market opportunity for OMAH. But it's not the only ETF looking to capture market share by using Buffett's approach:Market Vectors Wide Moat ETF (MOAT): Launched in 2012, this fund follows Buffett's in looking for companies with sustainable competitive advantages, or "moats," that protect them from competition. $10.8 billion in assets, 0.46% expense ratio.SPDR Financial Select Sector ETF (XLF): XLF provides exposure to the financial sector that has featured prominently in Berkshire's portfolio over the years and holds Berkshire Hathaway stock itself (about 13% of the portfolio). $48.8 billion in assets, 0.09% expense ratio.iShares Edge MSCI USA Quality Factor ETF (QUAL): This ETF follows quality metrics like those Buffett values, focusing on companies with low debt, strong returns on equity, and earnings stability. $48.2 billion in assets, 0.15% expense ratio.The Bottom LineAs the Oracle of Omaha leaves his perch at Berkshire, many investors will be looking beyond Berkshire for ways to invest the Buffett way. Several ETFs, including OMAH, claim to do so, though often with comparatively high expense ratios and income payments that seem to run counter to Buffett's own investment principles of simplicity, low costs, and long-term capital appreciation.
How a Simple Tax Tactic Could Help You Offset Stock Losses This Year

Fact checked by Yarilet PerezPra-chid / Getty ImagesIf you sold stocks during the market turmoil this year and captured a loss on that sale, you might consider using a tactic known as tax-loss harvesting to help you save money on taxes.“At a basic level, tax-loss harvesting is selling an investment for a loss, on paper, and using it to reduce your taxes,” says Filip Telibasa, a certified financial planner and owner of Benzina Wealth. “Losses can either be used to offset gains realized in other areas or to reduce up to $3,000 of your income.”Here’s what you need to know about using the strategy.Key TakeawaysTax-loss harvesting is one way to save money on your taxes after you have losses in the stock market.But you’ll need to be careful of the stock offerings you purchase 30 days before or after the sale of a loss. If the purchase is substantially identical to the stock offering you just sold at a loss, you won’t be able to deduct the loss.To avoid this from happening, choose similar but not identical stock offerings before or after you sell a stock for a loss.A Closer Look at Tax-Loss HarvestingTax-loss harvesting can be a good strategy to use in a volatile stock market, helping you take advantage of any losses you may experience.“A volatile market is the best time to use tax-loss harvesting since there is a lot of movement and therefore opportunities to capture short-term losses,” Telibasa says.In addition to saving you money on taxes, tax-loss harvesting can help to rebalance your portfolio.“Your investments are out of balance when individual positions move in different directions. By selling positions at a loss, it helps to even things out,” Telibasa says.Another thing to keep in mind is that a loss can be carried over from one year to the next.“When you sell an investment at a loss, you can use that loss to offset gains from other investments you sold at a profit. If your losses exceed your gains, you can use up to $3,000 of that excess to reduce your ordinary income for the year,” says Alvin Carlos, certified financial planner and founder of District Capital Management. “Any remaining losses carry forward to future tax years. This can result in a smaller tax bill today and help soften the tax impact of gains in the future.”Watch Out for Wash SalesAccording to the IRS, a wash sale occurs when you sell a security at a loss and acquire the same “substantially identical” security within 30 days of the sale date, both before and after the sale date. When this occurs, the taxpayer cannot deduct the loss on the security.“The purpose of this rule is to prevent investors from selling assets purely to generate a tax loss and then immediately repurchasing the same or very similar assets to maintain their investment position,” says Austin Lee, a certified financial planner and founder of Lee Financial Group.To avoid a wash sale, stick with buying a similar but not identical stock following tax-loss harvesting.“Avoid buying the same or substantially identical security, such as the same ETF or stock, within 30 days before or after the sale,” says Christopher Stroup, a certified financial planner and founder of Silicon Beach Financial. “Instead, swap into a similar but not identical holding. For example, if you sell an S&P 500 index fund, consider buying a total market fund to maintain exposure.”Another way to avoid a wash sale is to wait 31 days or longer from the date of the sale to make a new purchase.Only Applies to Taxable Brokerage InvestmentsTax-loss harvesting cannot be applied to retirement accounts, as these accounts are tax-deferred already.“Tax-loss harvesting only applies to taxable brokerage accounts. Retirement accounts like 401(k)s and IRAs grow tax-deferred, so gains and losses inside them don’t affect your annual tax bill,” Carlos says. “That’s why you don’t harvest losses in those accounts; there’s no tax to offset.”The Bottom LineTax-loss harvesting is one way to make up for losses in the stock market. Selling at a loss will help to offset gains from other investments and will lower your tax bill. There are a lot of losses with a volatile stock market, so it is a good time to consider this tactic, which can only be used in taxable brokerage accounts.Just be careful about the investment you choose before and after the sale of a loss. If you make an investment that is substantially identical to the one you sold at a loss within 30 days before or after the sale, you won’t be able to deduct the loss on your tax return. To avoid this, choose to buy similar but not identical investments within the 30 days before or after the sale of a loss, or wait 31 days or longer to make a new purchase. Both strategies will allow you to deduct a loss on your tax return.
Dollar-Cost Averaging or Timing the Market: Which Works Better?

Fact checked by Stella OsobaArtistGNDphotography/Getty Images An investor wondering whether to time the market or to use dollar cost averaging.For retail investors, a fundamental question emerges: Should you try to time the market to buy low and sell high, or invest consistently regardless of market conditions?Dollar-cost averaging (DCA)—investing equal amounts at regular intervals regardless of market conditions—is widely championed by financial advisors as a disciplined approach that reduces risk and emotional decisions. "Dollar-cost averaging into quality investments—think ETFs [exchange-traded funds], blue-chip stocks, and even undervalued sectors like utilities or health care—can be powerful," Stoy Hall, CEO and founder of Black Mammoth, told Investopedia.Meanwhile, attempting to buy at market lows and sell at highs potentially maximizes returns but requires precision that even professional investors struggle to achieve. As volatility shakes the markets, understanding which approach better serves your financial goals is crucial.Key TakeawaysDCA, a strategy of investing fixed amounts at regular intervals no matter what, tends to match or beat many market-timing strategies.Market timing attempts to buy at market lows and sell at highs but requires precision that even professional investors struggle to achieve consistently.'Time in the Market' vs. 'Timing the Market'Investors are often split between those looking for "time in the market" (seeking gains from long-term investing) versus those trying to "time the market" (those buying the dip and so on)."To figure out your style, pay attention to how you feel during different market situations," Yvan Byeajee, author of Trading Composure: Mastering Your Mind for Trading Success, told Investopedia. "By reflecting on these emotional responses and aligning them with your strategy, you'll start to define a style that fits you best, which means that your decisions will feel more natural and effective."DCA provides a consistent routine without difficult decisions during turbulence. David Tenerelli, a financial advisor at Values Added Financial, said that for more people trying to time the market is a "folly." But that doesn't mean DCA is always easy emotionally. "It takes discipline to continue to buy investments during a market downturn," he said. "A shift in mindset can help—rather than fearing financial loss, an investor can reframe it as buying stocks 'on sale.'"DCA's biggest drawback appears during strong bull markets, where early lump-sum investing would yield higher returns—assuming you had both the money on hand and foresight to time it right. "Forget trying to 'time the bottom,'" Hall said. "Nobody knows when that hits, not even the so-called experts."Market timing sounds appealing in theory—buy low, sell high, and maximize returns. However, executing this strategy successfully requires predicting market movements with remarkable accuracy, a feat that even professional investors rarely achieve consistently.What the Research Tells UsResearchers have compared how different strategies would have performed over time.Research in the Journal of Financial Issues, which analyzed 30 years of S&P 500 data, compared DCA against three market timing strategies. Over this period, DCA produced a 254% return, outperforming market timing approaches (whose net returns ranged from 227% to 252%). Only a theoretical "perfect foresight" strategy—assuming impossible market prediction abilities—consistently outperformed DCA, with a 289% return.Other studies looking at different periods provide additional nuance. Galaxy Asset Management looking at crypto and S&P 500 fund data from 2007 to 2024, found DCA coming out ahead for both kinds of assets. "Dollar-cost averaging simplifies investing, mitigates emotional biases, and often delivers better outcomes than buying the dip, even in extreme market scenarios," it concluded.Other researchers have found that modifying DCA—say, by attempting to buy more shares at market lows—can provide more benefits than market timing or DCA alone. This happens to match, in fact, what many investors already do: practice DCA while setting aside a small percentage to "play the market."The Bottom LineWhile market timing might occasionally produce great results, DCA offers a more reliable path for most investors, particularly those investing for long-term goals like retirement. By reducing the impact of market volatility on your investment decisions and creating a disciplined investment habit, this strategy helps overcome the psychological barriers that often prevent long-term growth.